NATHEN GARCIA 
4311 East 94th Avenue 
Thornton, CO 80229 
(720) 318-3137 
garcia_nathen@hotmail.com
 
Summary of Qualifications: 
Highly skilled Collections Consultant.  Recently licensed as a loan originator in 10 states, NMLS #555967.  Superb customer service, analytical and collection skills. Excellent verbal and written communication skills.  Have extensive knowledge of both the front and back end of the mortgage industry.  Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, etc).  Have completed several hundred loan modifications, shortsales and deed in lieu of foreclosures over the years.  Attention to detail with great organizational capabilities. Ability to prioritize with superb time management skills. 

Professional Experience: 

HSS - Hospital Shared Services
Start Date: 2/2014 to present
Current Position: Shift Supervisor (Seargeant)
Responsibilities/Accomplishments
•	Assisting medical staff with escalating situations from combative patients
•	Ability to speak to enraged patients, visitors, staff and keep them calm from proven de-escalation techniques.
•	Fulfill the Responsibilites, Qualifications, and Competencies of a Security Officer and a Security Shift Supervisor
•	Conduct off-hours inspections
•	Develop and update Facility Competency Tasks
•	Manage site master schedule to include the daily schedule of all assigned security personnel
•	Manage time card processing and payroll accurancy
•	Provide employee involvement/security awareness educational programs and workshops
•	Analyze department functions and amke suggestions, recommendations, and/or changes when appropriate to increase effectiveness and productivity
•	Review reports and situations for potential negative impact
•	Interact with various components and leaders of the facility to implement effectively the security program
•	Identify program issues and potential negative situations; develop and formulate, and possible solutions; report to appropriate leaders possible countermeasures
•	Maintain a positive working relationship with the Facility Security Representative, local public safety agencies, and HSS Administration

American Financing Corporation 
Start Date: 6/2012 to 1/2014
Starting & Current Position: Mortgage Consultant (Originator) 
Responsibilities/Accomplishments: 
•	Collect loan applications for credit analysis for verification and recommendation 
•	Responsible for a pipeline of client's averaging 20-45 per month. 
•	Initiate & analyze applicant's financial status, credit, and property evaluations to determine 
•	feasibility of granting loans. 
•	Review loan agreements to ensure that they are complete and accurate according to policy 
•	Meet with applicants to obtain information for loan applications and sell them the loan that is best for their situation 
•	Explain to customers the different type of programs and loan options that are available. 
•	Initiated the 1st E-sign position for American Financing, which increased overall loan closings by 5% 
•	Top Esign agent for American Financing 

Specialized Loan Servicing (SLS) 
Start Date: 6/2006 to 5/2012 
Starting Position: Customer Assistance Associate I 
Final Position: Investor Specific Loss Mitigation Agent
Responsibilities/Accomplishments: 
•	Recognized to be on team of 1 of 5 agents directly in contact with note-holders/investors of loans that SLS services. Helping them determining investor strategy and intentions, and forwarding that information to the borrower. Drafting, submitting and discussing all workout options with note-holder. Thinking outside of the box. 
•	Analyzing borrower documentation (Hardship, expenses, pay stubs, profit and loss, bank statements tax returns) for the purpose of modifying the terms of their loan. Verifying income and working with loan parameters (interest rate, BPO value, term, principal balance, etc) to seek what the best option (mod, short sale, deed in lieu, reinstatement, repay plan) will be for both the borrower, and the investor. 
•	Counseling borrowers to sell properties that we find they truly cannot afford. Explaining the incentives of a short sale/deed in lieu/refinancing. 
•	Offering cash incentives for complying with certain programs. 
•	Work and speak with multiple parties (attorneys, outside third parties, realtors, brokers, internal) in attaining resolution on a single loan. Negotiating offers to purchase homes, reviewing BPO’s, appraisals, MLS reports. Work with realtors on finding a proper listing price through market research. Following-up to make sure borrowers, realtors, and third parties complete deals started. 
•	High-volume atmosphere with the goal of curing/resolving at a minimum of 8% of total porfolio each month. Time management and organizational skills a must. Taking/making inbound and outbound calls on a dialer. Consistently handle calls from irate borrowers who are on the verge of losing their home. Maintaining a calm professional tone, and making the party understand that I’m here to help. 
•	Completed SAFE ACT Certification in 23 states. These states are as follows; CO, GA, OK, AL, WY, TX, WI, VT, NE, MI, WV, FL, AR, MT, KY, OH, SC, WA, IL, TN, NH, LA, and ID. 
•	Improved Quality Assurance company wide with training on call-flow by 3%. Consistently performing at top tier levels, curing/resolving anywhere between 8% to 17% of portfolio monthly. 

EDUCATION: 
Adams City High School; Commerce City, CO 
Graduated with High School Diploma